Balancing respect and different advice as parents age - need some guidance

Assalamu alaikum, Alhamdulillah I've been blessed with parents who did their best raising us. Most of the time their guidance has helped me through tough spots, and I'm grateful for that. Lately though, as they're getting older, I feel they're more out of touch with my reality. Not completely, but they sometimes can't grasp the circumstances I'm in. For example, my mum keeps insisting I should buy a house rather than an apartment. A house around here averages close to $1 million while a studio apartment goes for about $300k. I can realistically afford a studio with minimal riba, but not a $1 million home. She also wants me to save $20k for mahr and $30k for wedding costs. I earn $60k pre-tax (about $50k after tax). I'm saving $2.5k per month while living with my parents, which is the most I can manage. I could probably do around $20k for the wedding and $10–15k for mahr, and I'm setting aside $30k for a house deposit. I hope to get married within the next year insha'Allah. I'm arguing for having one wedding event but my mum is insisting on two. She keeps comparing everything to how it was when she got married - but my dad was 30 then, costs were much lower, and she had family help. I will be covering the mahr and wedding costs myself. Subhanallah, I haven't had a vacation in two years and my last international trip was ten years ago. I know I can ultimately decide to not follow some of her suggestions, but I still feel a pang of guilt when I disagree. I expect this is just the beginning - next will be advice about raising kids, how to run a household, etc. I've also seen them give well-meaning but impractical advice to my grandparents. My uncle recently had high blood pressure and my dad drove him to the ER, while my grandfather suggested some pressure-point techniques that weren't suitable for the emergency. Still, there are moments of helpful insight - my grandmother noticed my poor eyesight when a teacher mentioned I was squinting at the board, and that led to getting glasses. Has anyone gone through something similar? How do you balance honoring parents and making sensible choices for your own situation? Any tips on talking to them kindly but firmly would be appreciated.